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Factors Affecting Consumption Credit Distribution of Commercial Banks In Banyumas Regency 2016-2022
Abstrak (Bhs. Indonesia)
Penelitian ini memiliki tujuan untuk menganalisis pengaruh inflasi, Non Performing Loan (NPL), Suku Bunga Kredit (SBK), Dana Pihak Ketiga (DPK), PDRB, dan konsumsi rumah tangga terhadap penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022 secara Bersama-sama dan parsial. Dalam penelitian ini, teknik analisis data yang digunakan adalah Ordinary Leat Square (OLS). Berdasarkan analisis yang telah dilakukan, diperoleh hasil penelitian bahwa inflasi, NPL, SBK, DPK, PDRB, dan konsumsi rumah tangga secara Bersama-sama berpengaruh signifikan terhadap penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022, dan secara parsial: (1) inflasi tidak berpengaruh signifikan terhadap penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022; (2) NPL berpengaruh positif signifikan penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022; (3) SBK berpengaruh negative signifikan penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022; (4) DPK berpengaruh positif signifikan penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022; (5) PDRB berpengaruh positif signifikan penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022; (6) konsumsi rumah tangga berpengaruh positif signifikan penyaluran kredit konsumsi bank umum di Kabupaten Banyumas 2016-2022.
Abtrak (Bhs. Inggris)
The study to analyse the influence of inflation, Non Performing Loan (NPL), Credit Interest Rates (CIR), Third Party Funds (TPF), GRDP, and household consumption on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022 simultanouesly and partially. In this study, the data analysis technique used for Ordinary Least Square (OLS). Based on the analysis that has been carried out, the results of the study were obtained that inflation, NPL, CIR, TPF, GRDP, and household consumption simultaneously has significant effect on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022, and for partially : (1) inflation has no significant effect on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022; (2) NPL has significant positive on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022; (3) CIR has significant negative on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022; (4) TPF has significant positive on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022; (5) GRDP has significant positive on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022; (6) household consumption has significant positive on consumption credit distribution of commercial banks in Banyumas Regency 2016-2022.
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